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For a great home shopping experience, you have to ensure that you follow a safe shopping guide. Everyone loves shopping online and while there are some pitfalls, you can protect yourself and enjoy the experience with just a few steps. Today home stores online shopping gives shoppers access to best brands, products and deals so that they have a way to make new additions to their home without overshooting their budget, and that too, by never stepping out of their homes and offices. Online shopping from home is a great experience, but they say ‘No gain without pain’ and therefore, a few tips need to be kept in mind when shopping at an online home shopping mall. Believe it or not, experts believe that the best way for home online shopping is through a credit card. This is largely because you have the right to dispute charges on your credit card, and you can withhold payments during a creditor investigation. Also, in case of data theft if there are any unwarranted payments put on your credit card, this doesn’t give out information of your real banking account to the hacker. Any disputes can be settled with the credit card company post an investigation and while you could end up paying the unwarranted sum and up your security settings for any future purchases online, you will not have to worry that your banking information now lies with a cyber criminal. In fact, there are many people who love to indulge in online shopping from home stores and to always stay on top of their transactions; they use a separate credit card only for online payments. This tip does make it a lot easier to detect wrongful credit charges. While all online home shopping sites accept debit cards as well, a credit card in no doubt a far safer option. It makes cash-less transactions a lot easier, and at the same time lets you earn reward points on payments made which can be redeemed later from the credit card company in multiple ways based on the kind of card you have and also safeguards your actual bank account information. Now while debit cards facilitate cash-less transactions these do not offer both of the above mentioned advantages. So in all essence, for those who love online shopping from home, getting a credit card is always the best and safest option. Make sure that you use familiar home stores online shopping websites. Many of the newer sites that come with cheaper products and a shady web designs are actually put there not for you to shop; these are stores that house fraudsters who are looking for data theft and even identity theft. It’s much safer to use sites that you know and have dealt with before, or those that come recommended by friends and family. Do a quick check on any new home shopping mall you want to try out to know if the site is secure and encrypts all data entered. First, look at the URL to ensure that it start with HTTPS instead of HTTP. And second, look for a “lock” icon on the status bar that shows are on a secured website.
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